During the Covid-19 crisis, we are following UK Government guidance to keep our employees safe and look after our valued clients. Read our articles on support for your business.

You can also help us help your fellow businesses - as well as your favourite charity - at this difficult time by recommending us to someone you feel would benefit from our insurance.

Travel Insurance with Pre-Existing Medical Conditions

It can be difficult for people with pre-existing medical conditions, disabilities, life-limiting illnesses or those who are receiving end of life care to obtain travel insurance, so we offer specialist travel insurance policies that recognise this. We are able to provide cover for 94% of people who receive a quotation.

What does travel insurance with pre-existing medical conditions offer?

  • Convenience – you can be covered in less than ten minutes in just one phone call
  • Hassle-free – no separate referral for medical screening
  • Empowerment - the price you pay is based on your unique circumstances and how the medical condition(s) specifically affects you
  • Reassurance – we can cover the whole travelling party not just those with pre-existing conditions or disabilities
  • Support – our experienced team understand daily living with a pre-existing medical condition or disability
  • Freedom – we can offer Single and Annual policies for EU and Worldwide Cover, and we also have a UK only cover option that calculates premium based on number of days per trip

What conditions are covered by our travel insurance with pre-existing medical conditions?

We can provide travel insurance for people with a wide range of pre-existing medical conditions or disabilities.

Some examples are below, but we cover a wider range - please speak to an adviser for details.

  • Diabetes
  • COPD
  • Heart conditions
  • Multiple Sclerosis
  • Terminal prognosis
  • Cancer
  • Pulmonary fibrosis
  • TIA (mini stroke)
  • Previous stroke
  • Blood pressure
  • Bronchiectasis
  • Cystic fibrosis
  • Amputees
  • Myasthenia
  • Autism
  • Dementia
  • Alzheimer’s
  • Chemotherapy
  • Radiotherapy
  • Parkinson’s


Travel insurance if you have a newly diagnosed condition

If your medical condition is newly diagnosed, our travel insurance will cover you where others may not. This also includes if you are currently undergoing chemotherapy or radiotherapy.

Get a travel insurance with pre-existing medical conditions quote

Take the hassle out of travelling with Holiday Extras

We have partnered with the UK’s leading provider of airport essentials to make sure that you get your trip off to a flying start.

Whether you have a pre-existing medical condition or just find travelling a bit of a challenge, Holiday Extras offer Towergate customers a range of solutions to make your travelling experience a bit easier and more enjoyable.

  • Airport hotels – a variety of hotels to stay overnight in, available with or without parking
  • Airport parking – choose from park and ride, meet and greet or standard parking with transfers included
  • UK and overseas lounges – somewhere to keep comfy and have food and drink easily available whilst waiting for your flight
  • Overseas transfers – easy transfers pre-arranged for your travelling party to get to your destination
  • Airports by rail – transport straight to your departing airport from your nearest train station
  • Fast track – security is a must, but long queues don’t have to be
  • Late return cover – ensure you do not pay more for parking if your flight is delayed


Additional peace of mind

Travelling can be expensive and you want to be reassured you are getting the best value for money. Holiday Extras guarantee that if you find these services cheaper elsewhere they will provide you with a full refund, meaning you can book with confidence and start focusing on your holiday.

To find out more please call 0330 123 5136 or visit the Holiday Extras website


Request a callback from one of our specialist offices below, or search for your nearest office.

Coronavirus (Covid-19) – Update for Towergate customers

During the COVID-19 Coronavirus crisis, we want to reassure our customers and partners that we are following UK Government guidance,
and as a result our national offices are closed to both safeguard the health of our employees and our ability to look after our valued clients.
Where possible, our employees are working from home and we are still fully able to support with renewals, new cover requirements and
claims guidance and support. This includes giving our colleagues the ability to work from home or alternative locations,
which we hope will limit the disruption and enable you to speak to us for advice and support should you need it.
Read more